How to Monitor Your Teen’s Driving Habits

Here are some tips on how to monitor your teen driving habits. As every parent knows, paying for a teen’s car insurance isn’t pleasant. In fact, many would call it painful, as teens can cause their parents’ insurance rates to increase by as much as 500 percent. Here are some tips on how to monitor your teen drivers driving habits.

If you’re paying, you’ll be glad to know there are now ways to make your teen somewhat responsible for their premiums. And it benefits them, even if they don’t realize it.

Monitor grades
If your teen maintains a GPA of at least 3.0, most insurers will extend a “Good Student Discount,” with savings on premiums of 3-7 percent.

You can also make your young driver responsible for maintaining good grades by tying driving privileges to marks.

Outlaw cellphone use while driving

Put your foot down when it comes to cellphone use- especially texting – while driving. There’s no bigger danger or distraction when driving, and as you know, most teens constantly communicate through texting.

Insist your teen keep the cellphone in the trunk or out of reach while driving so he or she isn’t tempted to use it. Monitor cellphone records to ensure your driver isn’t using it while driving. You’re helping prevent serious accidents, while at the same time keeping premiums low.

Control when your teen drives

The riskiest time for driving is between midnight and 6 a.m. Make it a rule that your teen doesn’t drive during these hours.

While teen drinking and driving is a lethal combination, don’t pretend it won’t happen. Encourage your teen to ask you for a ride if he or she has been drinking, and warn but don’t punish when it happens.

More accidents occur on Saturdays, so minimize the time your teen spends driving on weekends. This is difficult, because that’s when they meet friends or go to work, but try to come up with creative ways reduce weekend driving; you’ll be minimizing risks and lowering premiums.